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What is KiwiSaver?

KiwiSaver is a voluntary retirement savings initiative with a number of generous government incentives, aimed at helping you save for your retirement.

Who can join KiwiSaver?

Anyone can join KiwiSaver. If you are over 65 and already a member of KiwiSaver then you can transfer to us too. However, you must be living or normally living in New Zealand, be a New Zealand citizen or have permanent residency.

I don’t think I can afford KiwiSaver, why do I need to save for my retirement?

You have probably heard a lot about KiwiSaver and retirement in the news over the last few years and should know why it is so important to save for your retirement.
The facts are hard to ignore:

  • There are generous government incentives on offer that should not be missed out on such as the $521.43 Member Tax Credit per year.
  • Life expectancies are increasing and you could live well into your 80’s.
  • Planning to live off New Zealand Superannuation alone may not allow you to enjoy your retirement or the lifestyle you are currently used to. NZ Super as of 1 April 2012 is $348.92 per week or $563.80 a couple (after-tax).
  • If you’re hoping to maintain your current lifestyle when you retire you need to start making plans to start saving now. For example: If you’re earning a salary of $60,000 a year (pre-tax), you generally will need two-thirds of your salary for each year of your retirement ($40,000) before allowing for inflation. NZ Super is only around $20,803 for an individual or $31,449.60 for a couple (pre-tax).